Citizens Federal Savings and Loan Association
Bellefontaine, OH
IDRSSD: 647777
Total Assets
$184.60M
Latest filing
Total Deposits
$165.13M
Latest filing
Net Interest Margin
2.43%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Federal Savings and Loan Association
100 N. Main St
Bellefontaine, OH 43311
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1885FDIC Certificate 40894
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Citizens Federal Savings and Loan Association (Main) | 100 N. Main St | Bellefontaine, OH | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1885 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 43311 |
| State and County Number | 39091 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Bellefontaine, OH |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/24/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | WWW.CITIZENSFEDERALSL.COM |
| Data Updated | 01/30/2026 |
| CERT | 28060 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $184.60M |
| Total Deposits | $165.13M |
| Total Liabilities | $165.56M |
| Total Equity Capital | $19.04M |
| Net Income | $235.00k |
| Net Loans and Leases | $144.53M |
| Assets Per Employee ($Millions) | $7.1M |
| Bank Premises and Fixed Assets | $3.90M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $165.13M |
Key Performance Ratios
| Return on Assets (ROA) | 0.52% |
| Return on Equity (ROE) | 5% |
| Net Interest Margin | 2.43% |
| Efficiency Ratio | 77.75% |
| Tier 1 Risk-Based Capital Ratio | 20.216% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.315% |
| Earning Assets to total Assets | 95.81% |
Income and Expense
| Total Interest Income | $1.93M |
| Total Noninterest Income | $139.00k |
| Total Interest Expense | $871.00k |
| Total Noninterest Expense | $933.00k |
| Net Interest Income | $1.06M |
| Pre-tax Net Operating Income | $267.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $424.00k |
| Total Liabilities and Capital | $184.60M |
Securities
| Securities | $27.16M |
| Available-for-sale debt securities | $26.81M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $351.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Federal Savings and Loan Association?
$184.60M as of the latest filing.
How much are Citizens Federal Savings and Loan Association's total deposits?
$165.13M in total deposits.
Where is Citizens Federal Savings and Loan Association located?
Bellefontaine, OH.
What is the Net Interest Margin?
2.43%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1885.
What is the Return on Assets (ROA)?
0.52%.
How much are total loans and leases?
$144.53M (latest filing).
What is the total interest income (latest filing)?
$1.93M.